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Microfinance Institution and its Impact on Poverty Reduction in Cameroon: A Case Study on Two Selected Institutions.

  • Tebahclaude (Graduate School of International Studies)

초록/요약

One of the most challenges facing the Cameroon government is the issue of poverty reduction. The poverty rate in the country is still high and the government has a vision of making Cameroon an emerging country by the year 2035. In the quest for a solution to the country's development challenges and the poverty issue, microfinance is seen as a good option to be considered since they can offer credit facilities to the poor at low interest rates compared to conventional banks, thus breaking the credit barrier faced by the poor. This case study was designed to assess the impact of microfinance on poverty reduction. A purposive sample of one hundred (100) microfinance clients were selected but eighty-two (82) were valid, and four (4) staffs from the MFIs under this study were interviewed on an interviewer assisted questionnaire. The clients targeted for the research are those who have taken micro loans so that a comparison of their poverty level before and after using the micro loan can be made and hence we can know whether there is any reduction in poverty after using micro loan or not. Results of the study revealed that microfinance led to an increase in income, which enabled the poor to be able to send their children to school, feed their families, save more thus improving their standard of living and reducing poverty. Also, most women felt empowered economically, politically but not socially as they were not able to participate in decision making in the community where men are involve. MFIs turn to ignore the poorest of the poor who are most affected by poverty because they are consider as high risk, thus in order for microfinance to be an effective tool in poverty reduction, factors like good infrastructure, well functioning markets, and government intervention is highly recommended.

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목차

CHAPTER ONE: INTRODUCTION 1
1.1 Background of the Research 1
1.2 Problem Statement 3
1.3 Objectives and Scope of the Research 4
1.4 Research Questions 4
1.5 Significance of Research 5
1.6 Chapter Outline 5
CHAPTER TWO: MICROFINANCE AND CAMEROON 7
2.1 The Concept of Microfinance 7
2.2 Microfinance and Microcredit 8
2.3 Microfinance and Women Empowerment 8
2.4 Evolution of Microfinance In Cameroon 9
2.5 Organization of Microfinance Institution 10
2.5.1 Credit Unions 10
2.5.2 Group Lending 11
2.5.3 Individual Lending 11
2.5.4 Village Banking 12
2.5.5 Self Help Groups 12
2.6 Structure of Microfinance in Cameroon 13
2.7 Microfinance Registration 14
2.8 Profile of Tole Tea Cooperative Credit Union (TTCCUL) and Buea Police Cooperative Credit Union (BuPCCUL) 15
2.8.1 Products and Services offered by TTCCUL and BuPCCUL 16
2.8.2 Lending 16
2.8.3 Economic Activities of Members 17
CHAPTER THREE: LITERATURE REVIEW 18
3.1 The Poverty Concept 18
3.2 Microfinance and Poverty Reduction 19
3.2.1 Positive Impact of Microfinance on Poverty From Case Studies 20
3.2.2 Negative Impact of Microfinance on Poverty For Case Studies 22
CHAPTER FOUR: METHODOLOGY 25
4.1 Data Sources 25
4.2 Research Method 25
4.3 Sample Population 26
4.4 Sampling Technique and Sample Size 26
4.5 The Questionnaire 27
4.6 Method of Data Analysis 27
CHAPTER FIVE: DATA ANALYSIS AND DISCUSSION 28
5.1 Demographic Information of Respondents 28
5.2 Respondents Business Experience Before Joining MFI 31
5.3 Source Of Startup Capital Of The Respondents 31
5.4 Respondents Income 33
5.5 Women Empowerment 35
CHAPTER SIX: SUMMARY, CONCLUSION, LIMITATION, AND RECOMMENDATION 37
6.1 Summary 37
6.2 Conclusion 38
6.3 Recommendations 39
6.4 Limitations of the Research and Scope for Further Research 40
REFERENCES 42
ANNEX 1: Questionnaires 46

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